Editorial take: American Express Business Gold
The 4x on your top two categories each month is uniquely flexible, if your business spend varies, this auto-adapts. The credits need active use to offset the fee.
All credit cards
Side-by-side
American Express Business Gold vs Citi Strata Card
Both are well-respected travel cards. The American Express Business Gold comes from American Express at $375/yr; the Citi Strata Card from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the American Express Business Gold is the stronger pick today, the sign-up bonus is meaningfully larger ($1,460 more in estimated value) than the Citi Strata Card's. Get the American Express Business Gold first; revisit the Citi Strata Card after you've earned that bonus.
| Feature | American Express Business Gold | Citi Strata Card |
|---|---|---|
| Annual fee | $375 | $0 |
| Sign-up bonus | 100,000 Membership Rewards points | 20,000 bonus points |
| Bonus value (est.) | $1,800 | $340 |
| Min spend to unlock bonus | $15,000 in 3 mo | - |
| Issuer | American Express | Citi |
| Card category | business | travel |
| Best earning category (Top_two_categories) | 4x | 1x |
| Transfer partners | amex-mr | None |
| Headline benefits |
|
Read the full review
American Express Business Gold
$375/yr · 100,000 Membership Rewards points
Read the full review
Citi Strata Card
$0/yr · 20,000 bonus points
Editorial take: Citi Strata Card
Common questions
- Which card has the bigger sign-up bonus, American Express Business Gold or Citi Strata Card?
- The American Express Business Gold has the bigger bonus, 100,000 Membership Rewards points, worth roughly $1,800, versus 20,000 bonus points (~$340) on the Citi Strata Card.
- Is the American Express Business Gold's $375 annual fee worth it compared to the Citi Strata Card?
- At $375/yr, the American Express Business Gold is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Strata Card's, pick the one whose perks you'll actually use.
- Can I have both the American Express Business Gold and Citi Strata Card?
- Yes, since they're from different issuers (American Express and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the American Express Business Gold or the Citi Strata Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. American Express Business Gold: $15,000 spend in 3 months. Citi Strata Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.